Affordable, transparent pricing

401GO is committed to providing transparent, competitive pricing for our 401(k) plans. Most small business owners find that they can have a retirement benefit for far less than they expected, and many of them discover that 401GO is the most affordable 401(k) company. 

Effective retirement planning must be affordable. Thanks to compound interest, thousands of dollars of growth could be lost to high fees and intensive ongoing management. 401GO offers a large selection of excellent investments at reasonable prices for participants.

A large percentage of employees at small businesses are not offered a 401(k) plan, and must use other, often inferior, products to manage their retirement savings. To help more Americans prepare for retirement, we offer some of the most affordable 401k planning pricing in the industry. Medium, small, and even very, very small businesses can afford to offer their teams a 401(k) plan. This levels the playing field, allowing smaller companies to compete for the best employees by providing an attractive retirement benefit at a low price.

Compare Features

Features

GO-STARTER

$9/ user per month

GO+ PLUS

$4-9/ user per month

GO PREMIER

$4-9/ user per month

Volume Pricing (50+ Employees)
15 Min Self Setup
Assisted Setup
Profit Sharing
Vesting Schedules
Safe Harbor Plans
Non-Safe Harbor Plans
New Comparability
Plan Administration
Custody
3(16) Plan Administration
Recordkeeping
Employee Onboarding
Unlimited Deferral Changes
Loans & Hardship Withdrawals
360 Payroll Integration
TRUE-360 Integration™
Support
Phone, Email, Chat
Help Center – FAQs
Dedicated Relationship Manager
Investment Management
3(38) Fiduciary
Diverse Investment Choices
Automatic Rebalancing
Guided Portfolio Builder
Dedicated Local Advisor
Optional Outside 3(38)
Bring Your Own Advisor
Preferred Advisor Pairing
Compliance & Filing
Ongoing Automated Compliance
Non-Descrimination Testing
Fill, Sign and Send 5500, 1099-R, 8955-SSA
ERISA Bond Included

Automating everything but relationships.

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Frequently asked questions

Setup fees are not allowed here. We just don’t do it.

Zip, zero, nada. While some other providers lock you in by charging high fees to leave, we prefer to keep your business with great service and an amazing platform.

Employers pay the per-participant fee only for current employees who are actively contributing to their 401(k) account. You will not be charged for those who leave your employment.

Terminated employees are charged for their own accounts, at a discounted rate.

The per-participant and base fees are paid by the employer. The AUM fee is pulled from plan assets, so it is paid by all those who participate in the plan.

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